Near Prime Clear: more options to help your clients succeed

Posted: 20-03-2022

We're excited to announce the introduction of Near Prime Clear to our home loan range.  Near Prime Clear offers self-employed and PAYG clean credit history borrowers more options to succeed.

Grow your business with the help of Near Prime Clear; interest rates start from 3.09%p.a.* (3.38%p.a. comparison rate^) on Full Doc home loans up to 55% LVR.

With Near Prime Clear you can help clients with:


Real life income verification

Real life income verification

  • 1 year's tax return
  • 1 form of income verification
Multiple sources of income

Multiple sources of income

  • 1 day PAYG
  • Family tax A+ B – no age limit
  • Commissions, bonuses and overtime
A wide range of loan purposes

A wide range of loan purposes

  • Unlimited cash out up to 90% LVR, including business use
  • Unlimited debt consolidation, including tax debt

See the home loan rate card for our full range of interest rates.

Got a scenario? Find your client's fit, fast with PPS.

Brokers submit a scenario to Pepper Money

Bank said no? Put it to the non-bank test.

Get a fast-paced review from our scenarios team. They can tell you when ‘no’ could be ‘yes’.

Information is correct as of 21 March 2022 and subject to change at any time. Applications are subject to the lender's credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

*From 21 March 2022 Pepper Near Prime Clear home loan variable interest rates range from 3.09-6.84%p.a. (comparison rates range from 3.38-7.11%p.a.). All home loan variable interest rates are correct as of 21 March 2022 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower's circumstances.

^Comparison Rates are calculated based on a secured loan of $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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